Terms of Use

1. About us and these terms

1.1 MyPropertyAI is operated by Zovko Enterprises Pty Ltd, ABN 84 691 333 598, trading as MyPropertyAI ("MyPropertyAI", "we", "our" or "us"). These terms govern your use of mypropertyai.com.au, the MyPropertyAI mobile app, any partner-branded version of our platform, and our connectors for AI assistants (together, the "Platform").

1.2 By using the Platform you agree to these terms and to our Privacy Policy. If you do not agree, do not use the Platform.

1.3 We may change these terms. The date at the top shows the current version. For registered users, we ask you to accept material changes at your next sign-in before you continue; for everyone else, continued use after a change is acceptance of it. Changes do not affect cashback you have already earned under the previous terms.

1.4 These terms are written for people using the Platform for their own property plans. Professionals, brokers, agents, offices and other partners who use partner features do so under a separate partner agreement with us, which takes priority over these terms where they differ.

2. Your account

• You must be 18 or over and located in Australia to create an account. The Platform is designed for Australian property and may not be suitable elsewhere.
• One account per person. Give us accurate details and keep them up to date; cashback is paid to the person named on the account.
• Keep your sign-in details to yourself. You are responsible for what is done with your account until you tell us it has been compromised.
• You can delete your account at any time from your profile. Deleting your account ends any cashback that has not yet become payable.
• We may suspend or close an account that breaches these terms, is used to make false cashback claims, or is used to harass professionals or other people.

3. What MyPropertyAI is, and is not

3.1 MyPropertyAI is a property planning platform. It shows you property data and cost estimates, helps you organise the steps of a purchase, sale, build or renovation, introduces you to independent professionals, and pays you cashback when qualifying services complete.

3.2 MyPropertyAI is not a mortgage broker, credit provider, financial adviser, accountant, lawyer, conveyancer, real estate agent, builder or valuer. We do not hold an Australian Credit Licence or an Australian Financial Services Licence, and we do not act as a credit representative or authorised representative of anyone who does.

3.3 Nothing on the Platform is financial product advice, credit assistance, legal advice or tax advice. We do not assess what you can borrow, we do not suggest or recommend any loan, lender or credit contract, and we do not help you apply for one. Those matters are for a licensed mortgage broker or lender.

3.4 Everything on the Platform, including figures produced by calculators and text produced by AI, is general information prepared without regard to your personal circumstances. Before acting on it, get advice from an appropriately licensed professional.

4. Property data and estimates

4.1 Property values, sales history, listings, zoning and suburb data come from third-party providers under licence, including Domain Insight and PropRadar. Business listings and ratings in the professional search come from Google Maps. Property data is shown to signed-in users only.

4.2 Estimates are indicative only. They are produced by models and may not reflect the condition of a property, recent sales, current market conditions or what a buyer would pay. Neither we nor our data providers warrant their accuracy. Get a valuation from a licensed valuer before you rely on a figure.

4.3 Cost estimates such as stamp duty, scheme eligibility and holding costs are calculated from published rates and the figures you enter. They shift with the final price and your circumstances. The professional on your plan confirms the actual figure.

4.4 Property data is licensed to you for your own personal use on the Platform. You must not copy, scrape, cache, extract, republish, resell or redistribute it, build a dataset from it, or use it to train any model. Our data providers may enforce these restrictions directly.

5. Calculators and AI features

5.1 Calculators use the figures you enter and published rates. If you enter a loan amount or interest rate, the result reflects your inputs, not an assessment of what any lender would offer you.

5.2 "Ask MyPropertyAI", property snapshots and plan summaries are generated by large language models. They can be wrong, incomplete or out of date, and they are not reviewed by a person before you see them. They are general information only. Do not enter other people’s personal information or sensitive information into chat or note fields.

5.3 Where the Platform tells you what a professional typically does, or what usually comes next in a transaction, that is a description of the process, not advice about your situation.

6. Professionals on your plan

6.1 Your plan shows professionals (such as a conveyancer, building inspector, insurance broker, property manager, buyer’s agent, builder or moving service) who have agreed to work with MyPropertyAI, and lets you search for others near you.

6.2 Every professional is an independent business. Any engagement is between you and them, on their terms and at their fees. We are not a party to it, we do not supervise their work, and we do not guarantee their availability, quality, pricing or outcomes. Choose them as you would any professional, and ask them about their licence and insurance.

6.3 Where a public register exists we check a professional’s licence when they join, but registrations change. The professional is responsible for holding the licences their work requires.

6.4 When you ask us to contact a professional on your plan, we send them your name, your email address and the message you approved, and the property address where relevant, once you have given the matching consent. We never send your financial details. A professional you find through the search is approached by us without your details until they agree to join your plan.

6.5 We may receive a referral fee from a professional when you engage them through your plan and the service completes. The fee is paid by the professional, not by you, and we may pass a portion of it on to you as cashback (section 8). Professionals do not charge you more because you came through MyPropertyAI; if you think one has, tell us.

7. Mortgage brokers

7.1 Mortgage brokers work differently on the Platform from other professionals. Your plan tells you that a licensed mortgage broker (or a credit representative of a licensee) can help you apply for and obtain a loan, and gives you their contact details. You contact them yourself. MyPropertyAI does not send your details, your plan, your reference or any message to a mortgage broker, and does not take part in any discussion about loans, lenders or borrowing.

7.2 Where your plan shows a mortgage broker, it also shows this disclosure: we may receive a fee from that broker for referring you to them, and we may pass on a portion of that fee to you as a cashback. The fee is paid by the broker; you pay nothing to us.

7.3 If you already have a broker, say so when you build your plan. Your plan will not show one, and the broker portion of any cashback does not apply.

7.4 If you arrived at the Platform through a broker’s own link or code, that broker is shown on your plan as the broker who referred you. No cashback is payable in respect of that broker and the completion bonus does not apply, because the broker pays us no fee for clients they bring themselves.

8. Cashback

8.1 What it is

Cashback is a payment we make to you, funded from the referral fees professionals pay us, when a qualifying service on your plan completes. It is never funded by you, and nothing on the Platform costs you anything.

8.2 Amounts

• The amounts shown on your plan are the maximum for your journey ("up to"). They are made up of an amount per professional and, for some journeys, a completion bonus.
• For building and renovation journeys, the builder portion is a percentage of the build or works contract value, shown on your plan.
• The amount that applies to you is the amount shown on your plan at the time the relevant professional completes the service. We may change amounts for new plans at any time.
• Your plan total updates as your team changes. It is a potential figure, not a promise that you will use every professional.

8.3 Completion bonus

Where your journey carries a completion bonus, it is paid only if every required professional for that journey is on your plan and completes their service, you did not arrive through a partner’s referral link, and you did not bring your own mortgage broker.

8.4 Conditions

• You were a registered user when the professional appeared on your plan, and you engaged them after that.
• The service completed. For purchases and sales that means the property settled; for a loan, the loan settled; for a build or renovation, the contract was signed and the works commenced; for other services, the professional confirmed the job was done.
• The professional confirmed the completion to us and paid their referral fee. For a mortgage broker, the broker confirmed that your loan settled; quoting your plan reference to the broker helps them do that.
• One cashback per professional role per property transaction. The same settlement cannot earn cashback twice, including across two accounts.
• You have an Australian bank account in your own name to receive payment.

8.5 When and how it is paid

We pay cashback by bank transfer within 14 days of the professional paying their referral fee to us for your transaction. Referral fees are payable to us after completion, so cashback is typically paid in the weeks after settlement. We ask for your bank details at that point. If a professional has not paid their fee within 90 days of completion, we will tell you, and we will keep pursuing it; cashback for that professional becomes payable when their fee is received.

8.6 When it is not paid

• The transaction or service did not complete, or completed with a professional who is not on your plan.
• The professional was already acting for you before they appeared on your plan, unless you arrived through their referral link (in which case section 7.4 applies and their portion is excluded).
• The professional disputes that you engaged them through your plan, and the dispute is not resolved in your favour.
• We reasonably believe a claim is false, duplicated or made in breach of these terms, or your account has been closed for breach.
• Cashback is not offered on the partner-branded version you are using (section 10).

8.7 Other things about cashback

• Cashback is paid to the account holder and cannot be transferred or assigned.
• You are responsible for any tax that applies to cashback you receive. We do not give tax advice.
• We may change or end the cashback program on reasonable notice. Cashback already earned under section 8.4 is paid as described.
• Cashback is a payment from us. It is not a discount or rebate from the professional, and it does not change the fees the professional charges you.

9. Friend referrals

If you share your personal referral link and a friend creates an account through it, we pay you $50 when a property on their plan settles, with no limit on how many friends. Your friend receives the normal cashback for their own plan. Referral payments follow the same timing and conditions as cashback. Do not spam, mislead or pay people to sign up; we may withhold referral payments and close accounts that do.

10. Partner-branded versions

10.1 Some organisations offer the Platform to their customers under their own brand ("Powered by MyPropertyAI"). The platform, your account and your data remain with MyPropertyAI, and these terms and our Privacy Policy apply.

10.2 A partner-branded version may show that organisation’s own partners instead of ours, may not offer cashback or our concierge service, and may let the person who shared the link with you see which stage your plan is at (never your figures). The version you are using tells you which of these apply.

10.3 The organisation behind a partner-branded version is responsible for its own services and representations. Where it says a mortgage broker is available, that broker is engaged by you directly under the broker’s own licence and form, exactly as in section 7.

11. Sharing your progress with a referring partner

If a broker or agent referred you and you choose to share your progress with them, they see what the Privacy Policy describes: your name and email, what you are doing, where you are up to, key dates and how many homes you have saved. Never the addresses, your money details or your messages. You can turn this off at any time from your privacy choices.

12. AI assistant connectors

You may connect your account to a third-party AI assistant such as ChatGPT or Claude. Those assistants are run by their own providers under their own terms, and we are not responsible for what they say on their own. Our connector supplies only your plan, your team and your cashback details, drafts messages to professionals for you to approve, and never sends income, savings, deposit or borrowing details to anyone. The rules in sections 3, 6 and 7 apply equally when you use the Platform through an assistant.

13. Mobile app and notifications

The MyPropertyAI app is provided through the Apple App Store and Google Play under their terms as well as these. If you turn notifications on, we send you updates about your plan and your team; you can turn them off in your device settings. Email about your plan, your consents and your cashback is a service message and is sent to the address on your account.

14. Your content

Addresses, notes, ratings, messages and other material you add to your plan remain yours. You give us a licence to store, display and process them to run the Platform for you, including through the AI features. Do not add material you do not have the right to add, or anything unlawful, offensive or about other people without their permission. We may remove such material.

15. Intellectual property and acceptable use

15.1 The Platform, its design, code, text, graphics, trade marks and data compilations are owned by us or our licensors. You may use them to plan your own property matters and for no other purpose.

15.2 You must not:

• copy, scrape, crawl, extract or harvest content or data from the Platform, by hand or by any automated tool, or use it to train or feed any model, other than through the AI assistant connectors we provide;
• reverse engineer, interfere with or probe the Platform, or attempt to access accounts, partner views or systems you are not authorised to use;
• use the Platform to collect information about other people, to harass professionals or other users, or for any unlawful purpose;
• resell, sublicense or commercially exploit the Platform or its content, or build a competing service from it;
• make false statements to professionals or to us, including false cashback claims.

15.3 We may suspend or close your account, remove content and withhold cashback where these rules are broken, and take legal action where necessary.

16. Australian Consumer Law and our liability

16.1 Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law or other law that cannot be excluded.

16.2 Subject to 16.1, the Platform is provided free of charge and as is. To the extent permitted by law we exclude all other warranties, and our liability for any breach of a non-excludable guarantee is limited to supplying the service again. We are not liable for loss arising from your reliance on estimates, data or AI outputs, from the acts or omissions of any professional or partner, from events outside our control, or for indirect or consequential loss, loss of profit or loss of opportunity.

16.3 You are responsible for the decisions you make about buying, selling, financing, building or renovating property. Get advice from the licensed professional for each of those decisions.

17. Indemnity

You indemnify us against claims, losses and costs arising from your breach of these terms, your misuse of the Platform or its data, or your dealings with professionals, to the extent caused by you.

18. Complaints and disputes

If something has gone wrong, email info@mypropertyai.com.au. We will acknowledge within 7 days and aim to resolve within 30. For a problem with a professional’s work, contact the professional first; their industry has its own complaint scheme (for example AFCA for mortgage brokers and insurance brokers, and the state fair trading body for agents and builders), and we will help you find it.

19. General

• We may transfer our rights under these terms to a successor business. We will tell you if we do, and your rights will not be reduced. You may not transfer yours.
• If any part of these terms is unenforceable, the rest still applies.
• These terms and the Privacy Policy are the whole agreement between you and us about the Platform. Partners’ own terms govern your dealings with them.
• These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of its courts.

20. Contact

Zovko Enterprises Pty Ltd, ABN 84 691 333 598, trading as MyPropertyAI

Email: info@mypropertyai.com.au

Website: mypropertyai.com.au